So What Happens Now??

Posted by & filed under Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Uncategorized.

Today I’ve received several communications from clients who, following the EU Referendum last week, are asking the question ‘What Happens Now?’ Within that broader question, there are smaller details to consider … Will the number of mortgage products available reduce, will the Bank of England need to raise interest rates, will the value of houses… Read more »

Do You Find You Doublethink??

Posted by & filed under Children's Critical Illness, Critical Illness, Family Income Benefit, Family Protection, Finance, Income Protection, Life Insurance, Lifestyle, Mortgage, Moving Experience, Protection Insurance.

Generally speaking, it seems that when we go on holiday we are a pretty organised bunch as far as arranging holiday insurance. ABTA reported that around 74% of us get insured before we pack the flip flops, and in this article expresses concern about the risk being taken by the remaining 26%. I’d never travel… Read more »

Attacking the goldfish, and feeding the sharks?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Property Purchase, Property Search.

With approximately six weeks remaining until the implementation of the higher stamp duty rates for second properties, we take a look at the potentially wide reaching implications that these changes could bring. No one knows what the impact of changes will be, but we’ll take a look at some scenarios that could play out…. From… Read more »

Bristol is a hot place to be in 2016…

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, Property Purchase, Property Search.

…Even if it didn’t feel that way on my journey to work today. According to our local daily paper, The Bristol Post, this city has been decreed a hot place to buy for investors in 2016, up there with Marbella and St Ives in Cornwall apparently. But is that a good thing? The story originated… Read more »

The Help to Buy ISA – Is it the pot of gold at the end of the rainbow?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Mortgage, Moving Experience, Politics, Property Purchase, Property Search.

The 1st of December is usually all about the Advent Calendar, and thinking of getting decorations down from the loft, but this year it is also notable as the date that the Government’s Help to Buy ISA scheme came into effect. First time buyers can, from today, start opening accounts that will allow them to save… Read more »

“We are the builders” says George, but are they really?

Posted by & filed under Finance, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Property Search, Uncategorized.

When Mr Osborne addressed the Conservative Party conference earlier this week, “We are the builders” was his most often repeated phrase. Among other things, the speech talked of investment in housing, in transport, and in the national infrastructure. He announced plans to give housing association tenants the right to buy, and we’re told that he’ll… Read more »

Buy or Rent? That is the question…

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase, Property Search.

Is it better to buy or to rent? This is a question that I have been asked on numerous occasions, and a decision that’s being faced by increasing numbers of people. There are advantages that can be argued for both options. For example, as a tenant: No maintenance costs to worry about Greater flexibility –… Read more »

DIY SOS: The Big Build … It could be you!

Posted by & filed under Finance, House Hunting, Lifestyle, Moving Experience, Protection Insurance.

The BBC’s ‘DIY SOS: The Big Build’ programme helps families from across the UK who find themselves in challenging circumstances, by transforming their homes in to places that are suited to their particular set of circumstances. Last night, the family involved had suffered a major and traumatic event, whilst on a holiday to visit relatives… Read more »

Mortgage Hunting – Who do you talk to? What do you need to know? How do you find advice?

Posted by & filed under Estate Agents, Finance, First Time Buyer, Mortgage, Property Purchase.

It was reported earlier this week1 that The Financial Conduct Authority (FCA) has fined The Royal Bank of Scotland and NatWest £14,474,600 for serious failings in their advised mortgage sales business. This amount includes a 30% discount for an ‘early stage settlement’, otherwise the fine could have been in excess of £20,000,000. This article got… Read more »